Is First Federal Credit Control Hurting Your Credit?

Who is First Federal Credit Control?

First Federal Credit Control, Inc., also known as FFCC or FFCC Cleveland, is a debt collection agency based in Cleveland, Ohio. Their principal function is to recover past-due debts on behalf of various creditors.

If you notice First Federal Credit Control on your credit report, it generally implies that you have an outstanding debt that has been transferred to them for collection.

Who does First Federal Credit Control collect for?

First Federal Credit Control provides their debt collection services to a wide range of industries. They specialize in collecting debts for consumer and retail companies, business-to-business corporations, financial institutions, and healthcare providers.

Is First Federal Credit Control legit or a scam?

First Federal Credit Control is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove First Federal Credit Control from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

First Federal Credit Control, Inc. Contact Information

Address:

First Federal Credit Control, Inc.
24700 Chagrin Blvd Suite 205
Cleveland, OH 44122

Phone number: (800) 486-5500

Should I contact or pay First Federal Credit Control?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with First Federal Credit Control is to work with a credit repair professional. They help remove millions of negative items every year from companies like First Federal Credit Control on behalf of their clients.

Will First Federal Credit Control sue me or garnish my wages?

First Federal Credit Control (FFCC) has the legal right to sue you in court for the debt you owe. If they win the lawsuit and a judgment is issued against you, they may potentially have the ability to garnish your wages or bank accounts, or place a lien on your property, depending on the laws in your specific state.

However, it’s important to note that this is typically a last resort. Litigation can be a costly and time-consuming process for the collection agency, and most prefer to work out a payment plan or settle the debt for a lesser amount rather than going through the court process.

First Federal Credit Control, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If First Federal Credit Control is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with First Federal Credit Control, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for First Federal Credit Control to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• First Federal Credit Control cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• First Federal Credit Control must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• First Federal Credit Control cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove First Federal Credit Control From Your Credit Report Today!

Credit Saint offers assistance with disputing First Federal Credit Control collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.